Towergate Business Insurance

  • Towergate is a business insurance broker. Therefore you cannot obtain a quote through Simply Business.
  • Over 1,000 UK trades covered with one of the UK's biggest small business insurance brokers
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Cover For 1,000 Business Types

  • Essential cover

    Protection if someone is injured or their property is damaged because of your business.

    • Public Liability Insurance
    • Employers Liability Insurance
    • Business Contents Insurance
  • Professional cover

    Legal fees and compensation payments if you make a mistake in your work and a client suffers a financial loss.

    • Professional Indemnity Insurance
  • Management cover

    Cover for legal fees and compensation payments if you make a mistake in your work and a client suffers a financial loss.

How to compare Towergate Insurance

1
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2
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Compare a range of insurance policies to find the right one for you.
3
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If the policy suits your needs, you can take it out and get cover immediately.

What our Nerds say about Towergate business insurance

HOLLY

INSURANCE NERD

You might look to Towergate if you need specialist business insurance, or if you aren’t sure what cover your company might need. It’s an insurance broker that can access a range of providers. It can also work to create specific cover built around your business, as well as provide the standard business insurance you’d expect.

The Towergate name might be new to you, but the insurers on its books are likely to be familiar. You can speak to one of its over 2,000 advisers about finding business insurance products that match the needs of your profession and particular business.

Information written by Holly Bennett Last updated on 12 September 2022.

What is Towergate business insurance?

It’s a range of insurance policies that help protect businesses that are available through its brokers. Towergate’s particular focus is businesses that have special requirements, such as past claims that might otherwise make it harder to find or be accepted for insurance. But it provides more standard insurance too.

It offers a variety of cover types that can help safeguard your business from a number of potential costs and liabilities.

» MORE: What does business insurance cover?

What types of business insurance does Towergate include?

Towergate can access a range of business insurance products through its panel of insurers. The type of business insurance can be very specific to your profession, or the general risk you are looking to cover. Towergate can also work with insurers to develop more specialist policies to suit your business, if it has any unusual or complex insurance needs.

Here are a few of the standard types of business cover on offer through Towergate:

  • Product liability insurance: Protection if a product is faulty and injures a member of the public or damages their property. Cover limits range from £1 million up to £10 million, and potentially higher.
  • Cyber liability insurance: For internet-based security risks, such as hackers, data recovery and business interruption.
  • Directors and officers insurance: For personal claims against directors due to decisions or acts carried out in the workplace.
  • Employers’ liability insurance: You must have this cover by law if you employ anyone.
  • Professional indemnity insurance: Can pay out compensation costs and legal fees if there’s a successful professional negligence claim against you.
  • Public liability insurance: Protection if a member of the public is injured or their belongings are lost or damaged and your business is blamed.

How to get a business insurance policy from Towergate

To get business insurance from Towergate, you can request a call back from an adviser. You can do this by filling in a short form on their website. You can also call them direct or send an email.

The adviser will ask you about your business and search for cover from their panel of insurers.

As well as contact information, you will need to supply information about your business, including:

  • when you started trading
  • estimated annual turnover
  • business type
  • business location
  • number of employees

» COMPARE: Business insurance

How much does Towergate business insurance cost?

There isn't a standard cost, as what you pay for your cover depends on a number of things, including the amount of cover you need. These other factors will also come into play:

  • business type
  • annual business income
  • number of employees
  • claims history

» MORE: Business insurance costs explained

What professions does Towergate cover?

Towergate business insurance can offer cover for a number of professions, including these:

  • Therapist insurance: counsellors, psychotherapists and hypnotherapists.
  • Camera insurance: commercial drone, DSLR, film and TV production, photography, videography and camera equipment.
  • Care and medical insurance: care home, charity, dental, domiciliary care, medical indemnity, nursery, staff absence and surgery.
  • Commercial property insurance: office, pub, shop and warehouse
  • Commercial vehicle insurance: fleet, self-drive, agricultural, van, minibus and taxis.
  • Landlord insurance: landlord contents, landlord home emergency, student landlord and landlord house in multiple occupation (HMO).
  • Trade specific insurance: builders, contractors, construction, farm and plumbers.

» MORE: Does your trade need business insurance?

Towergate Business Insurance FAQs

Who took over Towergate insurance?

Towergate is part of The Ardonagh Group. Ardonagh has a number of independent brokers as part of its group in the UK, Ireland and internationally, and is the UK’s largest independent insurance broker.

Who is Towergate insurance?

Towergate is an insurance broker in the UK that works with a number of insurers to offer personal and business insurance. It employs over 2,000 advisers, who help match people and businesses with insurance products. Towergate Insurance is a trading name of Advisory Insurance Brokers Limited, which is authorised and regulated by the Financial Conduct Authority.

Towergate has been around since 1997 and is part of The Ardonagh Group.

Where is Towergate head office located?

Towergate’s head office is in Maidstone, in Kent.

About the author:

Holly champions clear, jargon-free writing. She’s been creating finance content for leading organisations for over 10 years. Read more

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